> For the complete documentation index, see [llms.txt](https://developers-apps-in-toss.toss.im/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers-apps-in-toss.toss.im/guide/en/monetization/toss-pay.md).
# Toss Pay
Reducing friction in the payment process increases conversion rates and reduces payment failures and drop-offs.\
With Toss Pay, you can quickly and smoothly pay for physical goods and services.
***
### What is Toss Pay?
Toss Pay lets users in the Toss app **pay quickly and securely**is a simple payment service that helps you do that.\
Using payment information you registered in advance, you can complete payment with just your password.\
Because there are no complicated authentication steps like a public certificate, the payment flow continues naturally without interruption.
***
### What are the benefits of using Toss Pay?
* Customer satisfaction with simple payments is 95%, which can improve satisfaction with the payment experience.
* You can freely choose the payment method that best fits the situation, such as Toss Money and cards.
* It helps increase payment conversion by reducing the burden felt during the payment process.
* You can reduce the percentage of users who leave at the payment step.
In other words, it helps users who were hesitant to pay complete their payment naturally.
***
### Integration process
Toss Pay integration proceeds in the following order.
1. Check restricted onboarding items
2. If it is a marketplace platform, check the onboarding conditions
3. Onboarding review
4. Contract documents are sent to the contract manager's email
5. Submit documents (registered mail)
6. Document review and screening → Contract signing (merchant account creation)
7. Development integration → Launch
It takes about 7–14 business days to issue the key. Please apply with enough lead time to match your service schedule.
***
### Restricted onboarding items
Before applying for Toss Pay integration, please first check whether you fall under any of the items below.
{% hint style="info" %}
**Please note**
Application of the restricted onboarding items may differ depending on the sales format (online/offline), and additional or changed items may be restricted from onboarding based on internal policy decisions.
{% endhint %}
**Illegal goods**
Firearms and bladed weapons, stun guns, military uniforms, gambling-related businesses (horse racing, casinos, gambling, bicycle racing, moneylending, money changers, auctions, adult entertainment job postings, gambling machine sales, adult game rooms, etc.), hidden cameras, narcotics, tobacco, tobacco substitutes, lottery tickets, living organisms (wildlife/plants and animals), prescription glasses and contact lenses, blood and blood certificates
* Tobacco, tobacco substitutes, lottery tickets, living organisms, and prescription glasses/contact lenses may be partially allowed for offline sales only
**Pornographic content**
If the sold products, such as adult-only sites or adult comics/magazines, violate public morals
**Financial products and information services**
Loans, deposits and installment savings, foreign currency exchange services, digital assets (cryptocurrency, NFTs, etc.), cryptocurrency exchanges (operation/sales/brokerage of all kinds), stock information services (quasi-investment advisory services)
**Infringing products**
Goods infringing trademarks or intellectual property rights
**Youth-harmful environment**
Youth-harmful media, youth-harmful drugs, youth-harmful items, establishments prohibited to minors, establishments prohibited from employing minors
**Other restricted categories**
Any products or services that may give rise to complaints, such as unregistered multi-level marketing or door-to-door sales businesses, SNS promotion, rental businesses (mobile phones), used cars, condominium memberships, random (lucky) boxes, etc.
***
### If it is a marketplace platform
If you operate a service in the form of a marketplace platform, advance confirmation is required depending on the payment and settlement structure.\
If you directly settle payments to sub-sellers, you must confirm whether you are registered as a payment gateway (PG) business.
* **If you have a PG license** → Direct settlement possible
* **If you do not have a PG license** → Must use a settlement agency service
If you do not have a PG license, please first enter into a settlement agency service contract before applying for Toss Pay subscription. (e.g., Toss Payments, etc.)
{% hint style="info" %}
**\[Reference] Mandatory enrollment in settlement payment agency service and legal basis**
According to the Electronic Financial Transactions Act, when a prepaid business operator recruits a representative merchant, it prohibits recruiting persons other than those under each item of Article 4-2 of the Enforcement Decree. Article 4-2 of the Enforcement Decree of the Electronic Financial Transactions Act defines merchants as (i) persons registered as electronic financial businesses to carry out electronic payment gateway services, (ii) persons registered to notify the payer, on behalf of the payee, of the details of funds that the payer must pay to the payee by electronic means and to directly receive funds and perform settlement agency services, and (iii) financial institutions that perform settlement agency services but are exempt from electronic financial business registration.
If the marketplace platform distributes payment proceeds to sub-sellers (third-party settlement), onboarding is possible if you are registered as a PG business or are subscribed to a settlement payment agency service, and during onboarding review you will be required to submit relevant documents (settlement agency contract, third-party settlement official letter type C, KYC).
{% endhint %}
***
### Auto-payment (recurring payment) fee
If you use auto-payment (recurring payment), a different contract template applies than for regular payments.\
Please let us know in advance if you plan to proceed this way.
* Base fee: of the payment amount **3%**
* Minimum fee: per transaction **100 won**
**\[Fee charge example]**
| Payment amount | Fee |
| -------------- | ----------------------------- |
| 10,000 won | 300 won |
| 5,000 won | 150 won |
| 3,000 won | 100 won (minimum fee applied) |
{% hint style="info" %}
**Please note**
* Even if you're already using Toss Pay, in App in Toss you need to be issued an App in Toss-exclusive Toss Pay merchant key.
* If you reuse an order number, payment creation will be rejected.
* Before payment, be sure to clearly inform the user of the information below.
* Product name, quantity, total payment amount, discount details, refund policy
{% endhint %}
***
### Set it up in the console
**1. Sign the contract**
To use Toss Pay, you must first prepare the required documents and sign a written contract.\
Only after the contract is completed can you integrate actual payments.
{% hint style="info" %}
**Please be sure to check**
* Before applying for a contract [Restricted onboarding items](#입점-제한-항목)and [marketplace platform conditions](#중개-플랫폼인-경우)Please check first.
* `isTestPayment: true`If set to, you can test payments in the sandbox environment even before the contract (subscription) is signed.\
However, only payment creation is possible; actual approval processing is not supported.
{% endhint %}
**Procedure**
1. [Channel Talk](https://apps-in-toss.channel.io/workflows/767697)Enter information
2. First review: Based on the information entered, the Toss Pay team will conduct an initial review.
3. Additional guidance: If further confirmation is needed, we will contact you separately via the email of the person in charge of the subscription application.
4. Submit subscription documents: Please fill out and submit the subscription documents. After internal review, the Toss Pay key value will be issued.
It takes about 7–14 business days to issue the key.\
Please apply with enough lead time to match your service schedule.
**2. Set up**
Once the contract is complete, you will receive the Toss Pay key value by email.\
You must register the issued key value in the App in Toss console for actual integration to be possible.
**Key registration path**
Workspace → Integration key → Select the Register button → Enter merchant key
{% hint style="info" %}
**Please be sure to check**
* You must enter the App in Toss-exclusive Toss Pay key value, not the regular Toss Pay key value you used before.
* If you enter the wrong key, an error will occur when making a payment request.
{% endhint %}
***
### Integrate development
{% hint style="info" %}
[Toss Pay development guide](https://developers-apps-in-toss.toss.im/tosspay/develop.html) You can find how to integrate the payment creation, authentication, execution, refund APIs, and SDK.
{% endhint %}
{% hint style="info" %}
[Toss Pay recurring payment development guide](https://developers-apps-in-toss.toss.im/tosspay/auto-pay.html) You can find how to integrate the APIs needed to implement subscription and recurring delivery billing models.
{% endhint %}
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